Young Adult Loans
Helping you chase your Impossible Dreams.
We believe in dreamers.
Truth is, it can be tough for younger adults to get ahead when you’re trying to pay for school or get credit for the first time. orsa credit union is here for you with simple lending options that are built to help members like you make your Impossible Dreams happen.
Young Adult Auto Loans
Auto loans
Whether it’s getting to work or school, a car is key. With credit union auto loans built for you, we can help make your dealer negotiations about the car... not the payments.
Pro Tip: Know before you go...
Apply before you talk to the dealer. Knowing your loan amount and monthly payment ahead of time makes your negotiation easier.
- Competitive loan rates
- No application fees
- Flexible terms up to 84 months
- .25% rate discounts when payments are automatically taken from checking
- Digital banking support
- Local, fast and friendly service from a credit union that puts you first
Auto Loan Rates
Date Updated Mar 9, 2026
APR* as low as | Term |
|---|---|
New or Used |
|
6.49% | 60 Months |
Classic, Collectible & Special Interest Autos |
|
8.24% | 48 Months |
Terms available for 84 months and longer, call to get a personalized quote.
*Annual Percentage Rate (APR). Individual rates vary and are dependent on individual credit history and other underwriting factors. Auto loan payment example: A $15,000 loan amount on a vehicle with 20% down, an excellent credit score, a 60 months term and a 6.74% APR, the monthly payment would be $295.23. An additional .25% rate discount is applied when payments are automatically deducted from an orsa credit union checking account. May require co-signer. Programs, rates, terms, and conditions are subject to change without notice.
Private Student Loans
Student loans
Our innovative Student Choice private student lending solution is designed to help you responsibly fill funding gaps that may remain after you've exhausted lower-cost sources of aid.
Benefits of our solution
- Available for undergraduate and graduate students
- Competitive fixed and variable interest rates
- Secure funding from our line of credit even if you're unsure of your college or exact funding needs
- Potentially reduce your rate by 0.25% by enrolling in automatic electronic payments during repayment
- Multiple repayment & in-school deferment options
- Borrow locally from a for-impact credit union you can trust
Student Loan Refinance
Student loan refinance
Take control of your student loan repayment! Refinance and consolidate your private and federal student loans (including PLUS loans) into one manageable loan, setting up one convenient payment and potentially lowering your rate.*
Benefits of our solution
- Competitive interest rates
- Flexible repayment terms to fit your needs
- Potentially reduce your rate by 0.25% by enrolling in automatic electronic payments during repayment
- Borrow locally from a for-impact credit union you can trust
Scholarships
Scholarships
Scholarships that invest in you
College and career education unlock your future, and we're dedicated to helping you reach it. Our scholarships support young adult members working toward university degrees, trade certifications, technical skills, and professional development, because your goals deserve real backing.
Ignite your Impossible Dreams
Guide
How to Easily Cancel Your Subscription Services
Here, we’re laying out how to find subscriptions, cancel them, and avoid getting stuck with too many expensive subscriptions you don’t need in the future. Taken together it’s a few easy steps that can make a serious difference in your day-to-day finances… and your financial future.
Guide
How to Save Money on Streaming Services
With Americans now spending around $70 a month on services like Netflix and HBO, plenty of Michiganders are wondering how to save money on streaming services. Even if you like and watch the services you have, there are practical ways to cut those monthly bills. Below, we explain how.
News
Meet orsaWatch: Subscription Manager
Spot monthly subscriptions. Collect them all in one place. And even cancel what you don’t want right from digital banking. No extra apps. No extra subscriptions. All free for orsa members!
Kids, Teen & Young Adult Services
Whoa... too much, too soon?
If you’re a parent or you haven’t quite turned 18, it’s all good. We’ve got you covered too!
What We Do
Making Impossible Dreams come true on the daily.
Wherever you are on your financial journey, you Belong here.
